It's like making a trading portfolio. What trades you did, and it's best to remember what you did wrong before and to minimize that risk also. I think that's a great way to utilize what people are not consistent for.

If personally, I'm just going to return it. I'm not going to risk my reputation get tarnished just because of money. It's just not right and if that happened to you, would you want that person to go away too? Of course you want it back. That's just the right thing to do.